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by LadyGeek
Sat Jul 20, 2019 7:57 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 12
Views: 599

Re: Any downside to splitting portfolio?

BV3273 - Did you understand the answers? The problem is that your choices don't represent a diversified market approach. The market moves one way, your funds go the other. What do you have in the rest of your portfolio (the tax deferred part that's not mentioned)? We can help you balance this out, b...
by LadyGeek
Sat Jul 20, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 4232

Re: Recycling Different Plastics

This thread has run its course and is locked (derailed). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spirited posts or top...
by LadyGeek
Sat Jul 20, 2019 7:31 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 271
Views: 229147

Re: Please Try Out Test Posts Here

^^^ FiveK is referring to a post I've removed. It's a duplicate of the thread started by Indyhou here: Optimized Roth Conversion Model

Please discuss Indyhou's model in the above thread.
by LadyGeek
Sat Jul 20, 2019 7:28 pm
Forum: Non-US Investing
Topic: Cheapest place to sell stock on Australian Securities Exchange?
Replies: 1
Views: 73

Re: Cheapest place to sell stock on Australian Securities Exchange?

This thread is now in the Non-US Investing forum (Australian stock). I think this forum is better focused to answer your question.
by LadyGeek
Sat Jul 20, 2019 5:35 pm
Forum: Investing - Theory, News & General
Topic: Zero % down mortgages. Are we going to see 2008 again?
Replies: 27
Views: 2353

Re: Zero % down mortgages. Are we going to see 2008 again?

This thread has run its course and is locked (hypothetical - not productive, going in several directions). See: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or world economic, polit...
by LadyGeek
Sat Jul 20, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 21
Views: 1827

Re: Apollo 11 (In Real Time)

I forgot to mention that a few years ago, I was in the actual real Houston Mission Control Room. Not as a visitor, but as a contractor (one of my former employers). They allowed me into the room itself, not behind the visitor glass. It's not all that big, but everyone treated that room with reverenc...
by LadyGeek
Sat Jul 20, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 21
Views: 1827

Re: Apollo 11 (In Real Time)

Same here. Living it like 1969.

Control room video is now on the screen.
by LadyGeek
Sat Jul 20, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 21
Views: 1827

Re: Apollo 11 (In Real Time)

The Lunar Module is in a decent orbit, on the way to the lunar surface. 8-)
by LadyGeek
Sat Jul 20, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech. Medicine Still Pays More.
Replies: 10
Views: 714

Re: Bloomberg: Forget Tech. Medicine Still Pays More.

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own s...
by LadyGeek
Sat Jul 20, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: What is the optimal market movement if investing 20% of portfolio today?
Replies: 9
Views: 629

Re: What is the optimal market movement if investing 20% of portfolio today?

This thread is now in the Investing - Theory, News & General forum (general / theoretical / hypothetical question, but is about an investor's portfolio).
by LadyGeek
Sat Jul 20, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 89
Views: 4513

Re: Automatic Watches

Tagged for later reading Instead of bumping the thread, try bookmarking it. The bottom of every page has a "wrench" icon. Click on the icon to expand a drop-down list and select "Bookmark this topic". Then, go to your User Control Panel --> Overview --> Manage bookmarks. You'll be able to view your...
by LadyGeek
Sat Jul 20, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 831

Re: Greece...needed vaccinations?

This thread has run its course and is locked (Medical advice - are vaccinations needed). The question has been answered. As a reminder, see: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the ...
by LadyGeek
Sat Jul 20, 2019 9:20 am
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 12
Views: 599

Re: Any downside to splitting portfolio?

BV3273 - You had a duplicate post which I've removed. The replies have been merged into this thread.
by LadyGeek
Sat Jul 20, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 21
Views: 1827

Re: Apollo 11 (In Real Time)

I was home watching the landing live on TV with my neighborhood friends. When "Tranquility Base here, the Eagle has landed" was said, we all jumped up and down on the couch screaming as loud as could. After all, we were a bunch of happy kids. :) Later that night (very late...), I stayed up to watch ...
by LadyGeek
Fri Jul 19, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 13
Views: 881

Re: 2012 Infinity G37 Sedan maintenance costs

This thread is now in the Personal Consumer Issues forum (car).
by LadyGeek
Fri Jul 19, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 21
Views: 1827

Re: Apollo 11 (In Real Time)

Awesome! 8-)
by LadyGeek
Fri Jul 19, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

Good point. The content was from this post: Re: Teacher 403B Plans I added a note at the top of the article stating the intent is for teachers. I'm not sure how that can be generalized for a non-profit and am open for suggestions. We can always have a separate wiki article if it's different enough (...
by LadyGeek
Fri Jul 19, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

CyclingDuo wrote:
Fri Jul 19, 2019 8:30 am
If I had to pick nits...
Thanks! Nits picked. See: How to campaign for a better 403(b) plan

Please let me know if I have misstated anything.

If anyone has additional suggestions, post here.
by LadyGeek
Fri Jul 19, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 7768

Re: Harrassed at work, what steps to take to protect her future employment

^^^ Good point. My prior employer's pension plan also had a provision that if you retired after the age of 55, you were fully vested at 60. So, look for that option as well. I think that provision was to ensure that someone who quit the company at a much younger age had to wait until 65. Those who'v...
by LadyGeek
Fri Jul 19, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 4882

Re: NYT Article: Safe Deposit Boxes Aren't Safe

I merged wolf359's thread into the on-going discussion. The combined thread is in the Personal Finance (Not Investing) forum (safe deposit box).
by LadyGeek
Fri Jul 19, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

Regarding repair discs - You need 1 repair disc for each computer . That will cover you for every backup made on the PC. Remember that you are protecting the hard drive (or SSD). It makes sense to backup all the partitions on that drive, especially if you have the enough room on your backup drive to...
by LadyGeek
Fri Jul 19, 2019 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1317
Views: 124831

Re: U.S. stocks continue to soar!

I removed some earlier posts regarding population growth. The discussion was getting derailed.
by LadyGeek
Fri Jul 19, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: For the ladies - menstrual products
Replies: 20
Views: 2120

Re: For the ladies - menstrual products

FYI - This thread was temporarily removed for moderator review. The discussion is on-topic as a Consumer Issue.
by LadyGeek
Fri Jul 19, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Trash Bags for Luggage
Replies: 10
Views: 699

Re: Trash Bags for Luggage

This thread has run its course and is locked (not productive). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spirited posts ...
by LadyGeek
Fri Jul 19, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Substantial position in an individual stock
Replies: 31
Views: 2160

Re: Substantial position in an individual stock

This thread is now in the Personal Finance (Not Investing) forum (minimizing taxes). Taxes are due when gifting appreciated stock (selling a stock that has gone up in value). For example: Tax considerations when gifting stock The IRS defines a gift as: You make a gift if you give property (including...
by LadyGeek
Fri Jul 19, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Substantial position in an individual stock
Replies: 31
Views: 2160

Re: Substantial position in an individual stock

I want to address several comments related to gifting of appreciated stock . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue. Ev...
by LadyGeek
Fri Jul 19, 2019 7:45 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 106
Views: 13660

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.

I would suggest emailing them. The contact info is in the first post (quoted below).
Mel Lindauer wrote:
Thu Apr 11, 2019 8:47 am
...If you have any problems or questions, contact us at: BogleheadsConference@gmail.com
by LadyGeek
Fri Jul 19, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 106
Views: 8652

Re: Gardening 2019

The sunflower seed experiment has ended with 0 yield. I planted an entire package of brand new mammoth sunflower seeds in every part of my backyard and garden that has a possibility of sun. My plan is to relocate the new seedlings in better locations once I see what comes up. One week after I plant...
by LadyGeek
Thu Jul 18, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 1882

Re: Is Sacramento Affordable--Under $400K Family Home?

This thread is now in the Personal Consumer Issues forum (where to live).
by LadyGeek
Thu Jul 18, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

Thanks, but I don't have the background to know where that would go. I'll defer to the experts.
by LadyGeek
Thu Jul 18, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

The article is now "live" in the wiki. See: How to campaign for a better 403(b) plan

Publishing the article does not mean we are finished. Corrections and suggestions are always welcome.
by LadyGeek
Thu Jul 18, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any Bogleheads-approved fiduciary financial planner in MA?
Replies: 5
Views: 580

Re: Any Bogleheads-approved fiduciary financial planner in MA?

This thread is now in the Personal Finance (Not Investing) forum ( Financial planner ). I removed an off-topic post. As a reminder, see: No Solicitation Please do not solicit business or website traffic on this forum. This is intended for members who wish to promote their own business. You can recom...
by LadyGeek
Thu Jul 18, 2019 4:16 pm
Forum: Non-US Investing
Topic: Canadian in Detroit - Maximize deduction
Replies: 4
Views: 292

Re: Canadian in Detroit - Maximize deduction

You can always post on his behalf, as you've done here.
by LadyGeek
Thu Jul 18, 2019 3:25 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3870

Re: Ferri? Or Vanguard PAS?

The wiki has some background info: Rick Ferri

Also: Allan Roth
by LadyGeek
Wed Jul 17, 2019 8:13 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3870

Re: Ferri? Or Vanguard PAS?

...I have long thought I should be moving the bulk of that larger portfolio over to Vanguard... Can you please clarify what is meant by "bulk"? It is very, very important to treat everything you have as one complete package. That includes not only all of your investments, bank accounts, and CDs, bu...
by LadyGeek
Wed Jul 17, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: Total Stock (US and Intl): Fidelity ZERO vs Vanguard
Replies: 39
Views: 2659

Re: Total Stock (US and Intl): Fidelity ZERO vs Vanguard

I merged prioritarian's thread into a similar discussion.
by LadyGeek
Wed Jul 17, 2019 7:38 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3870

Re: Ferri? Or Vanguard PAS?

As noted in the 2016 locked thread, Where is Rick Ferri? [Portfolio Solutions management and fee structure] , let's extend the courtesy and avoid further conjecture on the internal legal matters of Rick Ferri's former firm. The matter has been settled. Please stay on-topic, which is assisting the O...
by LadyGeek
Wed Jul 17, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1317
Views: 124831

Re: U.S. stocks continue to soar!

I removed several off-topic posts (worker productivity).

Please stay focused on US stocks.

Update: An additional post has been removed (was after this post).
by LadyGeek
Wed Jul 17, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4717

Re: Do you care about your home appreciating?

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own s...
by LadyGeek
Wed Jul 17, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fiat money vs Gold Standard
Replies: 62
Views: 20387

Re: Fiat money vs Gold Standard

The forum guidelines changed after 2007. I don't know the exact year. In any case, a 2019 off-topic post discussing Austrian economics vs. fiat currency has been removed. This thread has run its course and is locked (economic policy). See: Non-actionable (Trolling) Topics If readers can't do anythi...
by LadyGeek
Wed Jul 17, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: [Merrill Lynch charges high fees]
Replies: 43
Views: 4071

Re: [Merrill Lynch charges high fees]

FYI - I changed the title of the thread and replies. Regardless of your opinion of a company, please address them in a respectful manner.
by LadyGeek
Wed Jul 17, 2019 5:49 pm
Forum: Non-US Investing
Topic: Canadian in Detroit - Maximize deduction
Replies: 4
Views: 292

Re: Canadian in Detroit - Maximize deduction

This thread is now in the Non-US Investing forum (Canadian ex-pat). The best advice comes from your (co-worker's) home country. May I recommend your coworker post this question in our sister Canadian forum Financial Wisdom Forum ? You'll get expert advice. They also have a wiki. See: Cross-border an...
by LadyGeek
Wed Jul 17, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rant - 401k contribution mysteriously dropped
Replies: 10
Views: 1196

Re: Rant - 401k contribution mysteriously dropped

Are you saying that true-up contributions are not in the Summary Plan Description? If this is the case, HR (via the plan administrator) will have to correct your contributions to reflect the plan. My spouse's 401(k) now has a true-up, but they didn't tell anyone and it is not in the Summary Plan De...
by LadyGeek
Wed Jul 17, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rant - 401k contribution mysteriously dropped
Replies: 10
Views: 1196

Re: Rant - 401k contribution mysteriously dropped

For starters, the HR person is doing what she can - check with the plan administrator who is on vacation. This is a funny company. They do true-ups which is why I front load the pre-tax and then switch to after tax. But the true up is not in the plan doc either and the first time it happened it took...
by LadyGeek
Wed Jul 17, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rant - 401k contribution mysteriously dropped
Replies: 10
Views: 1196

Re: Rant - 401k contribution mysteriously dropped

This is mostly a rant. Unless someone knows of something other action I should take. Let's try to keep this actionable. Otherwise, see: Personal Finance Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topi...
by LadyGeek
Wed Jul 17, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7546

Re: No A/C in Office [not a safe work environment]

I removed an off-topic post and reply. This thread has run its course and is locked (topic exhausted). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt vio...
by LadyGeek
Tue Jul 16, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

^^^ Thanks! I think that is a very important point, and should probably be added to the wiki's 403(b) page as well (definition of investment options). I incorporated your post, but paraphrased it to fit within the article's context. I also worked in a tutorial from the IRS. See: User:LadyGeek/How to...
by LadyGeek
Tue Jul 16, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 754

Re: Wiki - How to campaign for a better 403(b) plan

Does anyone have comments on the draft page?

If not, I'll assume the content is OK and move this to the "live" wiki.